Kerbside

Sayali Shirke / 01 Oct 2025/ Categories: DSIJ_Magazine_Web, DSIJMagazine_App, Informed Intelligence, Kerbside, Regular Columns

Kerbside

The recommendations provided in this column are taken from various market sources such as brokers, analysts, dealers and investment strategists, etc. These recommendations may not be backed by strong fundamentals. Therefore we advise readers to use their own discretion before investing in these recommendation

SMALL, YET BIG POTENTIAL [EasyDNNnews:PaidContentStart]

Ujjivan Small Finance Bank
BSE Code: 542904
CMP: ₹46.12 

Ujjivan Small Finance Bank (USFB) Limited stands out as one of the prominent small finance banks in India, offering a well-rounded business model. In FY25, the bank introduced key digital initiatives such as Robotic Process Automation, which resulted in operational savings of ₹14.13 crore. Looking ahead, USFB has set an ambitious vision for FY2030: a gross loan target of ₹1 lakh crore, with secured loans making up 65-70 per cent of its book—up from 44 pe cent in FY25. The bank also targets a Net I nterest Margin (NIM) of 6-7 per cent by FY2030. At this juncture, the stock finds itself at an inflection point. For long-term investors with patience, the potential for attractive returns is undeniable. This could be an ideal opportunity to invest. 


BIG NEWS IN THE OFFING 

Hindustan Aeronautics
BSE Code: 541154
CMP: ₹4,741.35 

Hindustan Aeronautics Limited (HAL) is at the forefront of India’s Defence and Aerospace sector, specializing in the design, development, and manufacturing of aircraft, helicopters, engines, and related systems. The company also plays a pivotal role in producing structural parts for ISRO’s satellite launch vehicles. Inside the dealing rooms, whispers suggest that HNIs have been steadily accumulating shares, anticipating a major announcement that could catalyze a significant rally in the stock. With the potential for a game-changing development, HAL could be set for an exciting future. 


TICKING TOWARDS PROFITS 

Ethos
BSE Code: 543532
CMP: ₹2,551.65 

Ethos, a wellestablished name in luxury watch retailing, has recently opened its second exclusive Watch Boutique in Hyderabad, Telangana, bringing its total to 83 boutiques across India. With the festive season approaching, there’s a good chance the stock will see increased interest from investors. Rising consumer spending power and growing awareness of luxury watches are likely to support the market’s growth. Ethos is in a strong position to capitalize on these trends, making it one to watch in the coming months. 


HIDDEN GEM WITH BIG UPSIDE 

Hindustan Petroleum Corporation
BSE Code: 500104
CMP: ₹441.85 

Hindustan Petroleum Corporation Limited (HPCL) is a leading integrated refining and marketing giant, securing its position as the third-largest oil refining and marketing company in India. The company has strong oil marketing operations, and insiders reveal that the Centre is planning value unlocking for Oil Marketing Companies (OMCs). HPCL is also keenly focused on boosting operational efficiencies, with an ambitious target to save ₹1,000 to ₹1,500 crores by March 31. Already, 25 per cent of these savings are "locked-in," with INR 250 crores (16 per cent) accrued in Q1. Currently trading at an attractive single-digit PE ratio of 9.2x, HPCL also offers a compelling dividend yield. With the prospect of value unlocking on the horizon, this stock has the potential to be a dark horse. 

[EasyDNNnews:PaidContentEnd] [EasyDNNnews:UnPaidContentStart]

[EasyDNNnews:UnPaidContentEnd]